1. Partnerships for Long-Term Care
Presented by
David Guttchen
Director - CT Partnership for Long-Term Care
CT Office of Policy and Management
The National Medicaid Congress
June 5, 2006
Washington, DC
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2. Partnership States California Connecticut Indiana New York
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3. Current Status as of 12/31/05 Policies Purchased – 230,518
Policies in Force (Active) – 186,278
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4. Current Status as of 12/31/05 Age at Purchase –
California – Median of 60
Connecticut – Average of 58
Indiana – Average of 61
New York – Mean of 62
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5. Current Status as of 12/31/05 Number of Claimants – 3,332
Benefits Paid – over $125 million
Number of Claimants Accessing Medicaid – 157*
* NY data as of 5/06.
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6. Goals Plan Ahead Without Risk of Impoverishment
Enhance Policy Standards
Public Education
Constrain Growth of Medicaid Long-Term Care Expenses
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7. Medicaid Asset Protection
Dollar for Dollar Asset Protection
Hybrid Models in IN & NY
Deficit Reduction Act only allows Dollar for Dollar
Dollar for Dollar Protection Allows Policyholders to Purchase Shorter, Comprehensive Coverage
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8. Enhance Insurance Standards
Compound Inflation Protection
Minimum Daily Benefits
Comprehensive Home Care Benefits
Case Management
Agent Training
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9. Public Education Key Role of the State
Consumer Materials, Presentations and Counseling
Outreach to Financial Professionals
Agent Training
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10. Cost-Effectiveness In CT – Saved Over $2.8 Million To Date
6.8% of Medicaid Long-Term Care Budget as Annual Savings Starting in 2020
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11. Deficit Reduction Act
Removed Recovery Restriction On New States Originally Passed in 1993
Grandfathers Existing Partnership States (Includes Iowa)
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12. Deficit Reduction Act (cont.)
Dollar for Dollar Asset Protection
Tax-Qualified Policies
Age-Based Inflation Protection Requirements
Agent Training
Reporting
Limits Flexibility for Additional Partnership Requirements
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13. Partnership Expansion
Many States Interested in Developing a Partnership Program
Opportunities for Reciprocity Beyond Current Agreement Between CT & IN
CMS Standards for Reporting & Reciprocity Needed
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14. Challenges for New States
Interagency Coordination
Implementation of DRA Provisions:
- Inflation Protection
- Minimum Benefit Levels
- Reporting
Consumer Education
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